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CNSS Calculator

Calculate CNSS employee (4.48%) and employer (8.98%) contributions.

Results

Employee CNSS: 4.48% capped at MAD 6,000. Employer CNSS: 8.98%.

CNSS Contribution Rates in Morocco 2026

CNSS (Caisse Nationale de Sécurité Sociale) is Morocco's private-sector social security fund. It covers retirement, health insurance (AMO), workplace accidents, family allowances and professional training.

Full CNSS Rate Breakdown 2026

  • Pension (employee) — 1.98% (cap: MAD 6,000/month) · Employer — 7.93%
  • AMO (employee) — 2.26% (no cap) · Employer — 2.26%
  • Professional training — 1.6% (employer only)
  • Family allowances — 6.40% (employer only)
  • Workplace accidents — variable rate (employer only)

Total employer burden is approximately 21–23% of gross salary. Employee deductions total approximately 4.43%. Both are deductible from IS/IR taxable base.

Also useful: Net Salary Calculator · AMO Calculator · Income Tax (IR) · Family Allowances

📐 CNSS contribution formula

Employee share = min(Gross ; 6,000) × 4.48% → max 268.80 MAD/month
Employer share ≈ Gross × 8.98% (plus family allowances and training levy)

📊 2026 CNSS rates

BranchEmployeeEmployer
Social benefits (capped at 6,000)4.48%8.98%
Family allowances0%6.40%
Vocational training (TFP)0%1.60%

💼 Worked examples

4,000 MAD salary

Contribution = 4,000 × 4.48% = 179.20 MAD/month.

12,000 MAD salary

Capped: 6,000 × 4.48% = 268.80 MAD (income above 6,000 is not subject to the employee CNSS).

💡 Practical tips

  • CNSS gives you pension rights and daily allowances for sickness and maternity.
  • Income above 6,000 MAD is exempt from employee CNSS but still subject to AMO and income tax.
  • Check your declared days on the CNSS portal.

⚠️ Limits and disclaimer

  • This covers the private sector; the public sector follows separate schemes.
  • The cap and rates may be revised by the Finance Act.
Official sources: General Tax Code · Directorate General of Taxes (tax.gov.ma) · National Social Security Fund (cnss.ma) · 2026 Finance Act.
Last updated: February 2026.

❓ Frequently asked questions

What is the CNSS cap in Morocco?

The monthly base is capped at 6,000 MAD, i.e. a maximum employee contribution of 268.80 MAD.

What does CNSS cover?

Pension, daily sickness and maternity allowances, death benefit and family allowances.

How much is the employer share?

About 8.98% for social benefits, plus family allowances (6.40%) and the training levy (1.60%).

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